Powering The Intelligence Layer Transforming Global Payments

By Domenic Del Vecchio

If you've ever sent money across borders, you've experienced firsthand the friction of a payment system designed decades ago. Traditional cross-border payments are slow, expensive, and opaque—relying on correspondent banking networks and legacy infrastructure that can take days to settle and charge fees that eat into every transaction.

The $200 trillion global cross-border payments market is crying out for transformation. Traditional cross-border transactions could see rates drop 40% to approximately 1.8% with stablecoins, with adoption potentially saving an estimated $23 billion annually. Yet despite these enormous potential savings, most businesses are still trapped in the old system because building compliant, multi-rail payment infrastructure remains extraordinarily complex.

Enter Cybrid, which is building the intelligence layer that will power the next generation of global payments.

The Great Payments Rebuild is Happening Now

We're witnessing a fundamental shift in how money moves around the world. 2025 is shaping up to be a transformative year for digital finance, with stablecoins emerging as the quiet force behind a new wave of payment infrastructure. The convergence of several macro trends is creating an unprecedented opportunity:

Stablecoins have reached critical mass. Volume used for remittances reached 3 percent of the $200 trillion in total global cross-border payments by early 2025, with adoption accelerating rapidly as institutional players recognize the benefits of programmable money.

But here's the problem: while the technology exists to build better payment rails, the complexity of orchestrating compliant, multi-jurisdictional payment flows remains a massive barrier. Most companies lack the resources to build this infrastructure themselves, and existing solutions are often siloed, expensive, or limited in scope.

Regulatory clarity is finally arriving. Central banks and regulators worldwide are establishing frameworks for stablecoin adoption, with emerging markets like Latin America leading the charge, where 71% of firms are already using stablecoins for cross-border payments. These recent regulatory breakthroughs are bringing stablecoins deeper into traditional financial markets.

The limitations of legacy rails are becoming untenable. SWIFT, the 50-year-old messaging network that facilitates most international transfers, simply wasn't designed for today's global economy. Businesses processing numerous international transactions can reduce payment costs by 40-60% when switching to specialized alternatives.

Enter the Payment Intelligence Layer

This is where Cybrid comes in. Rather than building another point solution, they've created an "intelligence layer" for payments—a comprehensive infrastructure that seamlessly orchestrates traditional payment rails (ACH, wire transfers, RTP networks) with stablecoin-based alternatives, automatically optimizing each transaction for speed, cost, and compliance requirements.

Cybrid's platform operates like a smart routing system for money movement. When a payment is initiated, their technology automatically:

• Analyzes the optimal path across multiple payment rails

• Handles all compliance and regulatory requirements (KYC/KYB/AML)

• Executes the transaction using the most cost-effective route

• Provides near real-time settlement \through blockchain rails

• Maintains full auditability and reporting

  
  

This isn't just about making payments faster or cheaper—it's about making sophisticated payment infrastructure accessible to any business through simple APIs, regardless of their technical sophistication or regulatory expertise.

Why Cybrid is Uniquely Positioned to Win

Three factors drive our investment thesis in Cybrid:

1. Exceptional Team with Domain Expertise

Cybrid's founding team brings together exactly the right combination of skills needed to succeed in this space. CEO Avinash Chidambaram spent years at Interac launching digital payment products like e-Transfer and enabling Apple Pay integration. CTO Brent Carrara brings deep security and distributed systems expertise from his time at the Canadian Security Intelligence Service. This isn't a team learning payments on the job—they've been building financial infrastructure for decades.

2. Harnessing the power of stablecoins with built-in interoperability

Cybrid's architecture natively supports multiple stablecoin protocols and blockchain networks, positioning them at the center of the programmable money revolution. Unlike traditional payment providers that bolt on crypto capabilities as an afterthought, Cybrid was built from day one to seamlessly bridge fiat and digital currencies. Their platform supports USDC across multiple chains and can automatically optimize which blockchain to use based on cost, speed, and liquidity conditions. This interoperability becomes increasingly valuable as more institutions adopt different stablecoins—Cybrid customers can access the benefits of programmable money without getting locked into any single ecosystem.

3. Multi-Rail Architecture Creates Sustainable Competitive Advantages

While many competitors focus on single payment methods, Cybrid's multi-rail infrastructure becomes more valuable and harder to replicate as it adds new payment channels. Their smart routing technology doesn't just pick the cheapest option—it optimizes for the best combination of cost, speed, and reliability for each specific transaction. This creates a compounding moat as more rails and partnerships come online.

4. Compliance-First Approach

Perhaps most importantly, Cybrid has built compliance into its core architecture rather than treating it as an afterthought. With a dedicated Chief Compliance Officer and regulatory approvals already secured in key markets, they can confidently serve enterprise customers who need bulletproof compliance frameworks. This compliance-first approach is exactly what traditional financial institutions need to feel comfortable adopting next-generation payment infrastructure.

The Network Effects are Already Emerging

What excites us most about Cybrid is how they're creating network effects that benefit all participants. As they add more geographic coverage through strategic partnerships, the platform becomes more valuable for existing customers who can now reach new markets seamlessly.

Their embedded SDK approach means they don't need to compete for end-user adoption. Instead, they empower existing payment providers, fintech companies, and financial institutions with existing distribution to offer better services to their customers. It's a rising tide approach that creates alignment rather than competition.

Looking Forward: The SWIFT Alternative

Cybrid's ultimate vision is audacious but achievable: to become a lower-cost, more efficient alternative to the SWIFT network for international money movement. If successful, they could capture a percentage of the trillions of dollars moving across borders each year.

The market validation is already there. Stripe's $1.1 billion acquisition of Bridge demonstrates that major players recognize the strategic value of embedded payment infrastructure. But we believe Cybrid's broader multi-rail approach and geographic expansion strategy position them to capture an even larger opportunity.

The Intelligence Layer Revolution

Cybrid represents something larger than just another fintech company—they're building the foundational intelligence layer that will power the next generation of financial applications. Just as cloud computing providers enabled the software revolution by abstracting away infrastructure complexity, Cybrid is doing the same for payments.

In a world where money needs to move as seamlessly as information, businesses shouldn't have to become payments experts to serve global customers. They should be able to focus on their core products while relying on intelligent infrastructure to handle the complexity of compliance, routing, and settlement.

That's the future Cybrid is building, rebuilding global payments from the ground up. The intelligence layer revolution is just getting started.

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Cybrid is a payments company building the next generation of stablecoin and digital asset infrastructure. Their world-class platform enables fintechs, banks, and enterprises to launch compliant, scalable, and global payment solutions with one API.

Cybrid just announced it has raised a $10 million Series A funding round led by BDC Capital, Golden Ventures, Luge Capital, and Panache Ventures (learn more).